One of the biggest problems I find with creating goals is losing momentum. 

How many of you start out with the best intentions of making changes in your life, finances, or relationships, only to get distracted or disappointed within a few weeks.  I’ve had it happen to me, too, so here is a quick 5-step process to help you stay motivated and focused on your goals.

Step #1:  Create Big and Bold Goals.

I love creating big and bold goals, so go ahead and think BIG. 

Looking forward to 2024, what do you want your life to look like?  Write it out and be very specific.  Include what you want for yourself mentally and physically, your relationships, your money and your fun!

Step #2:  Feel it and See it!

Now, see yourself actually experience your life with these new goals manifested.

So if you want to earn $100K. See yourself with that money in the bank, imagine what your life will look like, what will you be doing each day, and how will you feel and look?.

You want write a book. See yourself published, getting that advance check, speaking to large groups of people and doing book signings for your raving fans!

You want to lose weight or simply be healthier. See yourself wearing fabulous clothing and having fun doing all those things you’ve always wanted to do.

Okay, now that you know that feeling — keep it because we are going to come back to it!

Step #3:  Chunk it Down.

If you want to earn that money, write down the steps that you need to take to make that money.  How will you earn it?  What steps to do you need to do? ( i.e., Ask for a raise or promotion. Make a career change. Create centers of influence to get referrals. Create a new program and decide how many clients you want and what will you charge).

If you are writing that book: it will mean writing that book proposal, blogging, doing research, hiring a writing coach, or editor.

If you are losing weight and getting healthier: it may include hiring a trainer, signing up for spinning classes, eating clean.  The secret is little steps.

Step #4:  Time for Action.

Now it’s time to step out of your comfort zone perhaps and ask for what you are worth, to go out and meet with those centers of influence, make those calls, book 10 appointments with your trainer, book time to write those blogs…that’s action!  You will want to stay in action, and this may require the help of a coach, mentor, or accountability buddy.  This is when you will want a system.

Step #5: Create a Daily Practice of Raising Your Vibration:

This last step is actually one of the most important believe it or not, because it will help you stay focused, motivated, and inspired on what you want every single day — so you don’t lose momentum! 

I recommend creating a daily practice with a checklist of everything you are working on and including a daily ritual of visualization, meditation, and gratitude to keep you focused and in high vibration.   

Remember to stay in that vibration of what it will be like when you have manifested your goal.  Stay in that beautiful and powerful emotion of joy and prosperity daily.  This is very important!

Many of my clients and friends who I have taught this process to share extraordinary stories of how opportunities simply fell into their laps, how their life, and relationships have transformed dramatically.

Schedule your daily practice early in the morning when you first wake up and before you go to bed.  It will take just a few minutes each time — and it’s magical.


Katana Abbott, CFP®, is a Retirement Income Coach and Certified Social Security Claiming Specialist, founder of the Midlife Millionaire™ Solution, and the host of Smart Women Talk. For over 35 years, Katana has helped baby boomers plan for retirement, including how to create lifetime income, how to optimize their Social Security benefits, launch an encore career, and prepare for long-term care.  She has written several books, created a financial literacy course, and is a popular speaker. Katana has been honored by NAWBO as one of Detroit’s Top 10 Businesswomen, receiving the Breakthrough Award. To download her new retirement guide, Three Smart Strategies to Maximize Your Retirement Income, visit